Around 2005 I switched to online payments for most bills, including Discover. I didn't realize at that time somehow they decided to start charging me for protection insurance. I was looking for a receipt so I pulled the entire years worth of billing of the website and found I was paying for some sort of Discover Protection.
I called Discover and Discover Enterprise. It took 5 transfers, 2 disconnects and a about an hour to find I supposedly signed up for an insurance plan that I never agreed to. I asked who my agent was or when I signed up only to find it appeared about the same time I started the online payments. The charge never shows up when you pay your bills that way. It was small enough I missed it.
Well, knowing how fast Discover is when you miss a payment or goe over your limit. Fee, fee, fee. I thought they would be able to deal with this either on the phone or on line. Turns out I have to submit a letter to some PO box and was given two different boxes in 2 different states that might eventually read my letter. I called Discover back and made sure she actually stopped the insurance. Turns out the first woman didn't. Since this seems to be normal business practice of Discover and their insurance program, I filed a full complaint to the Wisconsin Insurance Commissioner's office and requested they place an immediate cease and desist order with them today. I don't know if it will ever be followed up on or not but I'm tired of being ripped off by big companies. How many others have been screwed like this? If you got hit with this scam, file your claims with your Insurance Commissioners too. If we can't get our money back we're going to make them pay with forfeitures to our states.
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